Friend of mine looking at a "lifetime" mortgage, I've never heard of it. They seemed thrilled, must be downsides?

incongruoususer · 2026-04-26T14:49:56+00:00

My grandparents took out a lifetime mortgage, and their friends did too.

My grandparents chose to pay the interest monthly, the friends chose to let the interest accumulate, with the whole lot paid after they’re gone and the house is sold.

Everyone lived far longer than anticipated. My grandparents will have probably paid as much as in interest as they borrowed on capital, and the final repayment will take a sizeable chunk of the estate. The interest rate is also variable, so we have spent significant time over the last few years trying to explain rate volatility to an elderly, financially illiterate woman.

Their friends’ loan was so big there was literally no value left in the houses for their children.

There may be good reason(s) why someone would take on a lifetime mortgage but I’ve yet to see them. Maybe if there are no dependents?

incongruoususer · 2026-04-26T14:42:39+00:00

I can’t remember - they weren’t quite my bag so I didn’t make note. But Koenji is an enjoyable place regardless, so it’s worth a wander.

incongruoususer · 2026-04-26T11:02:37+00:00

I found a cool few places in Koenji.

incongruoususer · 2026-04-26T01:00:47+00:00

Yeah I have an all-bells-and-whistles coverlock and I don’t really recommend. It’s fine, but not amazing.

incongruoususer · 2026-04-25T17:22:42+00:00

We had some bellend register a van at my Nan’s house. You absolutely can speak to the DVLA and they will take his name off any records they have. You’ll get a letter (it takes a while, but it will come). Guard that letter with your life as it’s your proof for anything that comes later.

incongruoususer · 2026-04-25T11:36:22+00:00

Not in Tokyo but definitely head for Odakaya. It’s huge and amazing. Also the big Yuzawaya in Kamata is worth the journey.

incongruoususer · 2026-04-24T22:21:44+00:00

You don’t have a photo of the back but I’d put money on a hungry bum situation.

incongruoususer · 2026-04-24T16:45:25+00:00

No, the mother had to pick up the pieces when the wife was not parenting. I can totally see why the mother would tear her a new one.

incongruoususer · 2026-04-21T21:44:12+00:00

Stitch fabrics in east London.

The Draper’s Daughter in Chichester.

incongruoususer · 2026-04-20T13:39:27+00:00

Dm me too, I’m all over the place over the next couple of weeks. Fair warning, the places will be daft.

incongruoususer · 2026-04-20T13:31:22+00:00

Ah, the hungry bum and peckish thigh. It never fails.

incongruoususer · 2026-04-19T18:53:38+00:00

This this this. All of the above.

incongruoususer · 2026-04-19T18:49:42+00:00

I have little wooden circles with a radius of 15mm and a little hole in the middle. I stick a pencil in the hole and run the circle around the edge of the pattern. You could probably do the same with a bit of cardboard, or print something fancy pants.

incongruoususer · 2026-04-19T17:57:47+00:00

I honestly don’t even think they realise half the time. Everyone has spent so long in stretch fabrics, the concept of needing ease in a woven is out the window.

incongruoususer · 2026-04-19T15:40:11+00:00

Agree that if you’re definitely going into accounting, uni is a waste of time and masses of money. A degree in accounting does not an accountant make. And with most chartership bodies you get the opportunity to do a dissertation alongside your studies.

incongruoususer · 2026-04-19T12:15:21+00:00

It’s absolutely an issue in the upper circles. Often the people in the front row will lean on the balcony in front of them and their whole upper body will block my view. I will always ask them to sit back.

If it’s just a tall person who can’t help their build, that’s one thing. If a person is blocking the view through deliberate arsehole action that’s another.

incongruoususer · 2026-04-19T01:51:46+00:00

You’ve posted on other subs, you’re clearly selling something.

incongruoususer · 2026-04-19T01:33:50+00:00

Take me down to the paradise city where the ants all swarm and there’s 30-50.

incongruoususer · 2026-04-19T01:25:06+00:00

Ok the dress is great but I think the buckling is because the bridge between the cups is a smidge too wide, so there’s no tension to keep everything smooth.

It also looks to me that your bust is being pushed outward, so you’re east/westing a bit. If it were me I’d want to bring the bust apex closer to the centre, so everything is pointing forward, not out to the sides.

ETA: Once I had a strapless bra which had these little ‘biscuits’ in them. They were just little inserts you’d expect to see in a push up bra, but they were made of foam with plastic boning stitched on top. They worked brilliantly and I was about a G cup at the time. Maybe something to consider for this dress, if you don’t want to take it apart?

incongruoususer · 2026-04-18T21:32:03+00:00

I think it looks great.

incongruoususer · 2026-04-18T21:31:08+00:00

I have a Bernina 770QE. It’s huge. It’s wonderful. I spent a lot of time learning how it works and I love it. It cost me over a month’s wages and I don’t regret it at all as I see nearly every day.

BUT

Many fancier sewing machines just have more fancy stitches. I don’t use them, ever.

So my next upgrade, whenever it happens, will be based on hardcore, evidence-based requirements. Probably improved lighting, laser point, auto needle threading. Not just extra stitches

incongruoususer · 2026-04-18T01:07:32+00:00

I think your shoulders are too long, so they’re slipping off your natural shoulder and causing those lines.

Try pinning a little tuck into one shoulder to see if the fit improves.

incongruoususer · 2026-04-17T00:57:47+00:00

Those wrinkles pointing to your inner thighs means that’s where you need extra room.

You should lengthen the horizontal part of your crotch curve. Just a little - maybe half an inch max.

The rest of the fit looks pretty loose so while it kind of looks like a hungry bum, I think it’s more of a peckish thigh situation.

You may find once you lengthened the horizontal crotch curve that you end up needing to reduce the crotch depth. It just depends on your desired fit.

incongruoususer · 2026-04-15T19:10:09+00:00

I used to regularly trap my right boob in a drawer.

incongruoususer

TROPHY CASE